Credit Bureau of Owen Sound

What is Credit Bureau of Owen Sound?

Credit Bureau of Owen Sound is a debt collection agency that helps businesses recover unpaid debts. They’ve operated since 1951 and are based in Owen Sound, serving businesses across Grey and Bruce counties and wider South Western Ontario. They offer collection work plus in-house paralegal support when files need to move into court.

They handle standard collections tasks like final demand letters, skip tracing, adding items to credit files, and PPSA security checks.

If legal action is required, their paralegal can draft claims, attend hearings, and pursue garnishment or seizure where appropriate. Contact details list a local office and phone line in Owen Sound.

Why is Credit Bureau of Owen Sound calling me?

If you’ve received a call from Credit Bureau of Owen Sound, they’re probably trying to recover an unpaid debt on behalf of a creditor.

Credit Bureau of Owen Sound collects for:

• Telecommunications companies (phone, internet, cable)
• Banks and financial institutions
• Government agencies
• Healthcare providers and hospitals
• Utilities (hydro, gas, water)
• Education and student loans
• Commercial businesses
• Credit card companies

Is Credit Bureau of Owen Sound a legitimate collection agency?

Yes — the firm states it has operated since 1951 and provides collection and paralegal services from its Owen Sound office.

In Ontario, collection agencies must be registered with the provincial ministry under the Collection and Debt Settlement Services Act.

As with any collection contact, scammers can impersonate agencies, so always ask for written verification of the debt before paying. 

Your rights when a debt collection agency like Credit Bureau of Owen Sound contacts you

Debt collectors and collection agencies must follow a code of conduct outlining what they can and cannot do:

• Every time a debt collector contacts you, they must identify themselves.
• Debt collectors can only contact you during specified hours, usually between 7 AM and 9 PM (but exact times depend on your province)
• They cannot make false or misleading representations to collect a debt.
• Debt collectors may not harass, threaten or intimidate you.
• Debt collectors may not use threatening, profane, intimidating or coercive language.
• Debt collectors may not apply undue, excessive or unreasonable pressure.
• Ask for written proof before answering questions, providing personal information, or paying anything.
• A debt collector can't contact you at work once you've told them not to.

What to do if a debt collection agency like Credit Bureau of Owen Sound contacts you

1. Ask for written verification of the debt.
2. Don't acknowledge that you owe the debt or supply sensitive information until you've verified it.
3. If you want the phone calls to stop, you can request in writing that the collection agency stop calling, but this won't prevent further legal action.
4. If you don't think you owe money, dispute the debt and ask for written proof.
5. Consider speaking with a Licensed Insolvency Trustee for free advice.